Thank you, Mr. Chair.
Lloyd had mentioned leaving this to regulation and seeing where it's going to go. We do have one of the clauses talking about a fine not to exceed $10 million based on how the vote went in a director's meeting.
Perhaps Mr. Schaan could fill us in a little bit on, if that was to go into regulation versus being in the legislation, how that would be affected, and what his views are on the specific clauses from his perspective as far as the acts are concerned.